Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Review: Expedia Credit Card

expedia-plus-credit-cardThe travel booking site Expedia, in partnership with Citibank, offers 2 versions of the Expedia+ credit card that rewards you for purchases at Expedia and everywhere else, too. See below for our overview / reviw of your Expedia credit card options.

The first thing to understand is that Expedia has a rewards program called Expedia+ that offers you various discounts and travel upgrades, with you earning more opportunities the more you spend. The Expedia MasterCard cards give you the opportunity to get to the various levels (such as Silver and Gold) quicker, but, frankly, the program is a bit confusing as to what your points are really worth. Go here for an overview that doesn’t totally make things clear.
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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Can you use credit cards at Costco?

costco-credit-cardCostco has a rather strange payment policy that often confuses people, and it’s no wonder, thanks to the fact that their policy is actually different in the stores versus online at Costco.com.

You may have heard that Costco only accepts American Express credit cards in its warehouse stores, and this is true. No Visa. No MasterCard. No Discover. (Costco even has its own credit card — the TrueEarnings American Express Card.)
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Fry’s Credit Card Payment, Login, and Customer Service Information

frys-credit-cardThe Fry’s store credit card is issued in partnership with First Electronic Bank, and it is First Electronic Bank you will deal with to pay your Fry’s card bill online or by mail, or to get customer service assistance. All of the information you need to complete any of these tasks is below:

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How to Apply for a Marshalls Credit Card

marshalls-credit-cardMarshalls discount clothing stores DO offer a credit card, but that’s not immediately apparent unless you know that Marshalls and TJ Maxx are part of the same company, and that the credit card for both chains is the TJX Rewards Credit Card.

There are two TJX credit cards, one a store-only card that you can use only at Marshalls, TJ Maxx, Sierra Trading Post, and HomeGoods stores, and the other a MasterCard that can be used at these stores as well as anywhere else MasterCard is accepted. If you apply, you will first be considered for the MasterCard. If your credit is not good enough to get accepted for the MasterCard, you will then be considered for the store-only card.
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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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BJ’s Credit Card

bj-credit-cardNOTE: BJ’s is in the process of switching bank partners for its credit card offerings, and will have a period in which credit cards are not being offered to new customers. If the links below do not work, that switching process has begun and you will not be able to apply at this time.

BJ’s Wholesale Club offers 2 credit cards to its customers — a BJ’s consumer credit card and a BJ’s business credit card. A profile of each along with a short review is below:
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Toys R Us Credit Card Payment, Login, and Customer Service Information

toys-r-us-credit-cardThe Toys R Us / Babies R Us credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank that you will deal with when it comes to making payments online or by mail, or for customer service help. The information below will help you accomplish any of these tasks:

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What is the difference between a secured credit card and an unsecured credit card?

bankamericard_securedIf you’ve ever received an offer in the mail for a secured credit card, you might wonder what that means. How is a secured credit card different from a “regular” credit card, and why would I want one?

Here’s the situation. Most credit cards on the market today are unsecured credit cards, what you would probably think of as “regular” credit cards. With an unsecured credit card, you charge your purchases with the card and in a month or so you get the bill for whatever you bought. You pay off the card, or, if you can’t afford to pay it off completely, you get charged interest on the balance that you left unpaid. If you continue to make your payments on time each month, the bank that issued the card continues to let you buy on credit, trusting that you will pay each month. The bank does not require you to put up any collateral against the temporary loan it is giving you; it is simply trusting you to keep paying. However, if you fail to pay you will hurt your credit rating and the bank may sue you.
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Giant Eagle Credit Card Payment, Login, and Customer Service Information

giant-eagle-credit-cardThe Giant Eagle Fuelperks credit card is issued in partnership with Comenity Bank, and it is Comenity that you will deal with when it comes to making a payment online or by mail, or if you need customer service assistance. Below you will find all of the information you need to accomplish any of these tasks:

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How to Apply for a Kmart Credit Card

kmart_storeIf you are having a heck of a time getting information on applying for a Kmart credit card, it is because Kmart’s credit card is actually the Sears card. When the two companies merged, the old Kmart credit card went away and the Sears credit card became the card for both store chains.
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Synchrony Bank Payment, Login, and Customer Service Information (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the card issuer behind many of the most popular retail store credit cards on the market today. If you have a card issued by Synchrony Bank, and you need to make a payment or reach customer service, your best bet is to go to the site that is specific to your credit card. A list of Synchrony Bank credit cards can be found here.
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